Jammu and Kashmir Bank Limited (NSE:J&KBANK)

Jammu and Kashmir Bank Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Interest Income on Loans	138,272	131,507	125,411	112,132	93,552	80,130
Interest Paid on Deposits	78,816	72,686	67,413	60,079	46,094	41,013
Net Interest Income	59,829	58,821	57,998	52,053	47,458	39,116
Net Interest Income Growth	1.47%	1.42%	11.42%	9.68%	21.32%	3.72%
Gain (Loss) on Sale of Assets	9.93	9.93	9.94	10.67	11.93	2.86
Gain (Loss) on Sale of Investments	-446.9	-446.9	534.14	1,034	391.39	876.83
Other Non-Interest Income	11,223	9,943	10,861	7,332	7,249	6,655
Total Non-Interest Income	10,786	9,506	11,405	8,377	7,652	7,535
Non-Interest Income Growth	1.91%	-16.64%	36.15%	9.46%	1.56%	7.41%
Revenues Before Loan Losses	70,615	68,328	69,403	60,429	55,110	46,651
Provision for Loan Losses	1,808	286.1	-39.17	-1,077	745.95	5,620
Revenue	68,807	68,041	69,442	61,506	54,364	41,031
Revenue Growth	-1.27%	-2.02%	12.90%	13.14%	32.50%	23.63%
Salaries and Employee Benefits	24,756	24,868	27,972	25,790	27,086	26,751
Occupancy Expenses	2,979	2,979	3,220	3,699	2,931	2,761
Selling, General & Administrative	734.45	734.45	675.84	673.05	544.72	511.98
Other Non-Interest Expense	10,254	9,824	8,188	7,464	5,947	5,963
Total Non-Interest Expense	38,700	38,486	40,100	37,612	36,689	36,082
EBT Excluding Unusual Items	30,107	29,555	29,342	23,894	17,675	4,949
Pretax Income	30,107	29,555	29,342	23,894	17,675	4,949
Income Tax Expense	6,491	5,960	8,524	6,182	5,870	-
Net Income	23,615	23,595	20,818	17,712	11,805	4,949
Net Income to Common	23,615	23,595	20,818	17,712	11,805	4,949
Net Income Growth	13.00%	13.34%	17.53%	50.04%	138.56%	15.50%
Basic Shares Outstanding	1,102	1,101	1,101	1,052	964	831
Diluted Shares Outstanding	1,102	1,101	1,101	1,052	964	831
Shares Change	0.03%	-	4.67%	9.18%	15.99%	16.44%
EPS (Basic)	21.44	21.43	18.91	16.84	12.25	5.96
EPS (Diluted)	21.43	21.42	18.91	16.84	12.25	5.96
EPS Growth	12.93%	13.30%	12.29%	37.44%	105.65%	-0.81%

Additional Metrics

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Dividend Per Share	-	-	2.150	2.150	0.500	-
Dividend Growth	-	-	0%	330.00%	-	-
Effective Tax Rate	21.56%	20.17%	29.05%	25.87%	33.21%	-

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Oct 22, 2026

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